One is that the credit card is overdue only once or twice. Banks generally will not refuse a loan when encountering this kind of situation, but they may increase the loan interest rate appropriately.

The other is credit card overdue three times in a row or six times in total within two years. Generally speaking, banks will refer to an individual's number of overdue payments in the past two years when approving a home loan. Generally speaking, if a spouse has made three consecutive overdue payments within two years, or a cumulative six overdue payments, they will not be able to obtain a loan.

Among them, three consecutive overdue repayments means that, for example, the repayment period for a fund is one month and it has not been repaid for three consecutive months; and a total of six times means that it was overdue once, repaid, and then again. Overdue occurred, six times.

Is it true that if your credit card is overdue, you will not be able to get a loan?

It is true that if your credit card is overdue, you will definitely not be able to get a loan. In fact, it is not absolute. For example, the bank is willing to issue you a "non-malicious overdue certificate". If you have such a "customs clearance document" in hand, your loan journey may not be so difficult.

Similar to the above case, after Xiao Song learned about the overdue situation, he quickly contacted the card issuer, took the initiative to pay the outstanding balance, and clarified that he was unable to receive the annual fee payment notice after changing his mobile phone card number. Generated overdue. After investigation, the card issuer found it to be true, and finally issued a "non-malicious overdue certificate" to Xiao Song. With this certificate, Xiao Song's loan application was approved.

The situations considered "non-malicious overdue" are as follows:

1. The business is handled by a third party, but the third party fails to repay the loan on time as stipulated in the contract, resulting in overdue payment.

2. After purchasing a house with a personal loan, the developer checked out for various reasons. The developer refunded the personal down payment, but failed to settle the loan in time, resulting in overdue payment.

3. An individual sells a mortgaged house but fails to apply for a remortgage, and the overdue payment caused by the buyer’s failure to repay on time is still recorded in his own name.

4. The unit fails to pay the provident fund in time, resulting in the failure to repay the personal provident fund loan in time.

5. Because the individual does not understand the bank's repayment date regulations, or the bank staff did not clearly inform the repayment date, or the bank did not inform the individual when the loan interest rate was adjusted or the repayment date was changed, etc.? Failure to make timely repayments as stipulated in the contract results in overdue records appearing on personal credit reports.

6. The credit card is not received or the credit card is not activated but the annual fee is overdue.

In fact, the responsibility for the overdue payment is not yours. It is relatively easy to get such a non-malicious overdue certificate from a bank or a third-party institution. Otherwise, you have to try your luck.

Loan period: The loan period for first-hand houses is 30 years, and that for second-hand houses is 20 years. At the same time, the loan period plus the age of the applicant must not exceed 70 years old.

Loan interest rates: The benchmark interest rate for first-home loans with a term of more than 5 years is 6.55, and the interest rate for second-home loans is 1.1 times higher than the benchmark interest rate, which is 7.26.

Methods

There are three types of housing loans, namely bank commercial loans, provident fund loans, and combination loans.

Guarantee fee

In order to avoid mortgage risks, banks generally require borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient repayment capacity. If you can find friends or relatives who are willing to provide guarantee and have financial strength, they can issue a written document and credit certificate for the bank willing to guarantee. If not, you need to go to a professional guarantee company and they will provide a guarantee. The fee paid at this time is the mortgage guarantee fee.